Muthoot Microfin Limited (NSE:MUTHOOTMF)

Muthoot Microfin Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	23,932	20,006	12,990	7,345	6,398
Total Interest Expense	9,301	8,831	5,490	3,402	2,993
Net Interest Income	14,631	11,175	7,500	3,943	3,405
Commissions and Fees	973.04	409.09	173.22	61.59	32.11
Other Revenue	739.73	2,291	1,128	922.18	413.92
Revenue Before Loan Losses	16,343	13,875	8,801	4,927	3,851
Provision for Loan Losses	10,423	1,820	2,233	1,112	1,322
Revenue	5,920	12,055	6,568	3,815	2,528
Revenue Growth (YoY)	-50.89%	83.56%	72.14%	50.90%	-15.05%
Salaries & Employee Benefits	5,339	4,487	3,226	2,371	1,871
Cost of Services Provided	253.62	339.83	327.16	205.75	124.49
Other Operating Expenses	1,646	1,056	620.17	383.6	254.03
Total Operating Expenses	7,667	6,237	4,439	3,168	2,438
Operating Income	-1,747	5,818	2,129	647.21	90.55
EBT Excluding Unusual Items	-2,889	5,818	2,129	647.21	90.55
Pretax Income	-2,889	5,818	2,129	647.21	90.55
Income Tax Expense	-663.81	1,323	489.81	173.23	20.01
Net Income	-2,225	4,496	1,639	473.98	70.54
Net Income to Common	-2,225	4,496	1,639	473.98	70.54
Net Income Growth	-	174.32%	245.77%	571.93%	-61.26%
Shares Outstanding (Basic)	167	149	116	114	114
Shares Outstanding (Diluted)	170	149	137	119	114
Shares Change (YoY)	14.37%	8.84%	14.66%	4.48%	-
EPS (Basic)	-13.29	30.20	14.19	4.15	0.62
EPS (Diluted)	-13.29	30.20	11.98	3.97	0.62
EPS Growth	-	152.09%	201.76%	542.55%	-61.14%
Free Cash Flow	13,612	-21,529	-23,611	-10,950	-7,119
Free Cash Flow Per Share	79.95	-144.63	-172.63	-91.80	-62.36
Operating Margin	-29.51%	48.26%	32.41%	16.96%	3.58%
Profit Margin	-37.59%	37.29%	24.95%	12.42%	2.79%
Free Cash Flow Margin	229.93%	-178.58%	-359.50%	-287.02%	-281.58%
Effective Tax Rate	-	22.73%	23.01%	26.77%	22.10%
Revenue as Reported	25,644	22,855	14,463	8,429	6,963

Updated Feb 6, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.